The NDIS is not means-tested. This means your income and your assets do not affect your eligibility for the scheme. You can have a high-paying job or own a home and still receive full NDIS funding.
TL;DR
The National Disability Insurance Scheme is an insurance program for all Australians. It is designed to provide support based on your disability needs, not your bank balance. Your funding is calculated by looking at what is "reasonable and necessary" for you to live a good life. It does not matter how much money you earn or what property you own.
At Universal Ability, we work with many people in Canberra and Western Sydney who have active careers. We help you use your NDIS plan to stay independent at work and at home. You never have to worry about your funding being cut because you received a pay rise or an inheritance. This guide explains how the rules work and why the NDIS is different from other government payments.
Is the NDIS Means-Tested?
No, the NDIS is never means-tested. The government created the NDIS to be a universal safety net for every Australian citizen who has a permanent disability.
- Your salary or wages do not change your funding.
- Your savings in the bank are not checked.
- Your family home and other assets are ignored.
- Money you receive from a legal settlement might be considered, but regular income is not.
NDIS vs Disability Support Pension (DSP)
Many people confuse the NDIS with the Disability Support Pension from Centrelink. It is important to know that these are two very different systems.
- The DSP (Centrelink): This is a welfare payment to help with living costs. It is means-tested. If you earn too much money, your DSP payment will go down.
- The NDIS: This is a grant for disability services and equipment. It is not means-tested. Your funding stays the same regardless of your income.
Who Is Eligible for the NDIS?
Since money is not a factor, the NDIS looks at three main areas to decide if you can join. You must meet all these rules to get a plan.
1. The Age Requirement
You must be under the age of 65 when you apply for the NDIS. If you are already on the scheme when you turn 65, you can usually stay on it.
2. The Residency Requirement
You must live in Australia and be an Australian citizen. You can also apply if you hold a Permanent Visa or a Special Category Visa.
3. The Disability Requirement
You must have a permanent and significant disability. This means your disability will stay with you for your whole life and it makes daily tasks very hard.
Can I Work While Receiving NDIS Funding?
Yes, the NDIS actively encourages you to find and keep a job. Working is a great way to build your independence and meet people in your local community.
- We provide Support Coordination to help you find work-ready programs.
- You can get Transport Assistance to help you travel to your office in Parramatta or Canberra.
- Your funding can pay for Occupational Therapy to make your workplace more accessible.
- Your employer is responsible for some changes, but the NDIS covers your personal support needs.
Does My Partner’s Income Affect My NDIS?
No, your partner’s income or assets have no impact on your NDIS plan. The scheme is focused only on you as an individual.
- Your spouse can have a high income without affecting your budget.
- Your parents' wealth does not matter for your application.
- The NDIS is designed to give you "choice and control" over your own life.
What Does the NDIS Actually Pay For?
Even though there is no means test, the NDIS does not pay for everything. They only pay for "reasonable and necessary" supports that relate to your disability.
- Speech Therapy and Psychology to build your skills.
- Daily Living support to help you with cleaning or personal care.
- Special equipment like wheelchairs or communication devices.
- They do not pay for rent, groceries, or cinema tickets, as these are "everyday" costs.
How to Apply for the NDIS in Western Sydney
If you live in Westmead, Parramatta, or nearby suburbs, getting started is simple. You do not need to show any bank statements or tax returns.
- Visit a local NDIS office to ask for an Access Request Form.
- Collect medical reports that show your disability is permanent.
- Use our Application Assistance if you feel overwhelmed by the forms.
- Focus on how the support will help you reach your life goals.
Why Universal Ability Is Your Trusted Partner
We believe that every person deserves high-quality care regardless of their financial status. We provide professional services across Canberra and Western Sydney.
- We offer Holistic Therapy that looks at your whole life.
- Our staff are experts in Health and Wellbeing for participants.
- We help you manage your Community Participation so you can stay active.
- We treat you with respect and value your independence.
If you have questions about your eligibility, visit our Contact Page to speak with our team.
Frequently Asked Questions
Is the NDIS part of Centrelink?
No, the NDIS is managed by the National Disability Insurance Agency (NDIA). It is a separate organization from Centrelink.
If I win the lotto, will I lose my NDIS?
No, winning money does not change your disability needs. Your NDIS funding will continue because it is not based on your wealth.
Does the NDIS check my bank account?
No, the NDIS will never ask to see your bank balance or your tax returns during the application process.
What is reasonable and necessary?
This is the rule the NDIS uses to decide what to pay for. It means the support must be fair, helpful for your disability, and good value for money. For more details, see the NDIS website.
Can I get NDIS if I am over 65?
No, you must apply before you turn 65. If you are older, you may be able to get help from the My Aged Care program instead.
